Thomas County, GA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Thomas County, Georgia? DLRadar grades every Thomas County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Thomas County breakdown.
- Thomas County's most distressed ZIP is 31738 at 30/100.
- 9 ZIP codes tracked in Thomas County, averaging 28/100 distress.
- Thomas County reads peak — home values up 1.2% year over year.
- Vacancy runs 12.7% across Thomas County's tracked ZIPs, with a 20.4% poverty rate.
- The typical Thomas County home is worth about $153,511 against a ~$60,350 median income.
- Lending headwind in Thomas County sits at 17/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 31738 | 30/100 |
| 2 | 31765 | 30/100 |
| 3 | 31626 | 29/100 |
| 4 | 31757 | 29/100 |
| 5 | 31773 | 28/100 |
| 6 | 31778 | 28/100 |
| 7 | 31792 | 28/100 |
| 8 | 31720 | 27/100 |
| 9 | 31779 | 26/100 |
Most distressed ZIP codes in Thomas County (composite distress 0-100, 2026)
What is driving Thomas County distress
Nothing here is estimated: Thomas County is scored from filings alone, and its ZIPs average 28/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Thomas County market phase and pricing
The cycle in Thomas County is peak, with values up 1.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Thomas County
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Questions about this county
What is the most distressed ZIP code in Thomas County, GA?
ZIP 31738 leads Thomas County at 30/100, recomputed monthly from public records.
What stage of the price cycle is Thomas County at?
The market phase for Thomas County is peak, prices rising 1.2% on the year — derived from the FHFA House Price Index path.
What is this Thomas County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 9 Thomas County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Thomas County ZIP codes?
The county figure is a blend, not a description. Across the Thomas County ZIPs DLRadar ranks, scores run from 30/100 in 31738 down to 26/100 in 31779, against a Thomas County average of 28/100. Because the gap runs to 4 points, Thomas County rewards ZIP-level precision.
What do Thomas County home values and vacancy say about distressed supply?
The typical Thomas County home carries about $153,511 of value against a median household income near $60,350. Vacancy across Thomas County's tracked ZIPs runs 12.7% and the poverty rate is 20.4%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Thomas County's foreclosure and tax-lien record and its 17/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.